Hartford submitted a filing in Texas to introduce the TransUnion CreditVision Insurance Score for its homeowners program.
The model will be used for tier placement, not underwriting, meaning it will help determine pricing tiers rather than eligibility for coverage. The change is tied to a separate rates and rules filing and is scheduled to take effect July 9, 2026.
Key details from the filing:
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Vendor model: TransUnion CreditVision Insurance Score
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Use case: Tiering only (not used to accept or reject risks)
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Score refresh: Every 36 months, with one consumer-requested update allowed per year
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No-score handling: Applicants without sufficient credit data are assigned to a justified tier, not treated as neutral
The filing also outlines how Hartford handles extraordinary life events, allowing underwriters to override scores and assign a neutral value when credit has been impacted by hardship.
The move formalizes Hartford’s use of a third-party credit model in Texas homeowners, aligning with broader industry reliance on external data providers for segmentation and pricing.